As I said, I don't have proof about parts I can't see and never claimed so. But the parts I can see are IMO bad, so it's reasonable to be skeptical about the pa

As I said, I don't have proof about parts I can't see and never claimed so. But the parts I can see are IMO bad, so it's reasonable to be skeptical about the parts I can't see. Also, I haven't worked with my actual bank, but I've done multiple bits of consulting in the past on some other national bank's technology, and my time there was such a disorganized mess that I have to doubt the quality of all of their systems and practices.